I have a Citi Forward student card (1 yr old) and just got approved for a gold Delta Amex Skymiles yesterday...5k limit. Is there a way from the Citi website to see if you are pre approved for other Citi cards? Similar to how Amex does softpulls to see if you qualify for other cards (hp if you're approved...)?

I have a friend that is a branch exec at Citibank. He said since I have checking, savings, and an overdraft protection account, he can check in a couple of months to see if I qualify for one of their cards. My feeling is, if you bank with Citibank as well a branch manager should be able to tell you what you qualify for as well. If you don't bank with them, I don't know if they can check or not. Worth a call to a branch or their credit office and ask.

It's all good. I just posted this because I was thinking about applying for the American Airlines Visa Signature card because I got an offer in the mail and thought that because I already have a card with them, I'd have a better chance at approval. Instead I decided to apply to Amex Gold Delta card because I like the signup bonus and live in a Delta hub anyway, got approved.

randeman wrote:I have a friend that is a branch exec at Citibank. He said since I have checking, savings, and an overdraft protection account, he can check in a couple of months to see if I qualify for one of their cards. My feeling is, if you bank with Citibank as well a branch manager should be able to tell you what you qualify for as well. If you don't bank with them, I don't know if they can check or not. Worth a call to a branch or their credit office and ask.

All a branch associate can do is offer a speculative recommendation based on limited information and their knowledge of their institution's underwriting policy. At the end of the day though, their "pre-approval" may only hold as much weight as one of those mail-in preapproved offers that clutter up the mailbox. So yes, he can give you a recommendation, but if the loan processing center doesn't like what they see you're SOL. That's not to say that branch staff has no say whatsoever, but the decision to extend a loan is just not their decision to make.

"Pre-approval" is truly marketing nonsense. I've been turned down after applying for several cards I was "pre-approved" for. It doesn't mean anything in most cases except you fit a demographic they are marketing to and your scores indicate you might get approved. That's it. It's no different than if you go and apply out of the blue.

MemberSince99 wrote:"Pre-approval" is truly marketing nonsense. I've been turned down after applying for several cards I was "pre-approved" for. It doesn't mean anything in most cases except you fit a demographic they are marketing to and your scores indicate you might get approved. That's it. It's no different than if you go and apply out of the blue.

I think you were denied for other cards because of all the cards you have/have applied for.

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